How To Prepare Credit For Mortgage and Get Approved
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How To Prepare Credit For Mortgage and Get Approved

How Do I Know If I Qualify For A Mortgage? All loan programs have different lending guidelines. However, you normally need timely payments in the past twelve months and need qualified income and have the ability to repay your new mortgage.

Shopping for Homeowners Insurance When Buying a Home
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Shopping for Homeowners Insurance When Buying a Home

All mortgage lenders require your to have  homeowners insurance.

You choose your insurance company. 
You are responsible for comparing premiums and selecting coverage. 
Lenders have minimum coverage requirement to protect their interest in your property.

If you fail to keep your home insured while you have a mortgage, the lender can purchase forced place insurance. The premiums are very high, at least twice as high and normal coverage. And you’ll have to pay for it until you re-establish your own coverage.